The count down is on for the end of the month when most if not all of our Christmas bills will arrive.. you ready? Its really no biggy, When they arrive open them exactly the day you get them in the mail or on the internet. Place them neatly in front of you to get a picture.

Pull up your bank balance and have a look. Match similar bills together and then start to pay every one! If you can not pay the whole balance then contact the creditor on the front end and begin the dialog between you and them as to how much you can pay this month and set up a plan.

Do not ignore the situation, it is hard, but nothing is harder than the phone calls, letters, and likely the effect on your credit score if you choose not to act. If you need help, contact a credit counsellor for more information.